ZIP 62097 Foreclosure, Tax-Lien & Distress Report

In Madison County, Illinois, ZIP 62097 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. Environmental exposure also runs high (climate & FEMA risk (94/100), flood (NFIP) exposure (68/100)). The pressure is most legible in structural risk (44/100), institutional ownership (16/100), construction/permit lag (10/100). By contrast, construction/permit lag (10/100) and mortgage stress (7/100) register low. The latent-versus-live split is 44/100 structural and 2/100 already moving.

Prices here sit in a peak phase: values rose 3.9% over the trailing year, and 17% higher over three years, at 26/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

2,627 residents call 62097 home, typically aged 47. Median household income is $85,234, near the U.S. median near $78,000. Home values center near $217,900, an affordability ratio of 2.5× — accessible. About 20% have a four-year degree. The vacancy rate is 6.6%. Around 66% of renters are cost-burdened. There are about 1,256 housing units across 62097. 6.5% of residents fall below the poverty threshold. Owners hold 89% of homes, renters 11%. DLRadar's demographic-stress index for the area reads 29/100.

On balance, 62097 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. There is no property file for 62097 at the moment; the composite and its components are still built from verifiable public records.

Big metro or rural, 62097 runs through one identical public-record model, so its 20/100 sits on the same scale as every other ZIP in Madison County, Illinois and the nation. 62097 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 20/100 figure for 62097 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 62097 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.